In February 2008, I attended and graduated from Max Gardner’s Bankruptcy Boot Camp. During this highly intensive four day seminar, I learned in-depth about mortgage servicing abuses. It is all too common that mortgage servicers are not accounting for the money homeowners have actually paid on their mortgages. It has been my experience that on several occasions some mortgage servicers have been unable to produce mortgage life of loan payment histories. The goal in many of my clients’ cases is to obtain a loan modification so that they can save their home. It cannot be done in every case and does not mean you are entitled to a free home. Most people just want a mortgage they can afford.

Whether in the context of a bankruptcy case or a state court foreclosure mediation, I will fight hard to help you save your NJ home. It is not always possible for clients to save their homes but it is my job to counsel and advise you of your options. If you retain my services you may not always be told what you want to hear but I will always be honest and truthful with you. Anyone who tells you they can guarantee that they can get you a loan modification is not being honest with you. Anyone that tells you they can get you a particular interest rate is lying to you. Do not fall for the scams!!!!

I have had success at obtaining loan modifications for my clients through foreclosure mediations. Foreclosure mediation is a program that is offered through the New Jersey state court system. It is when a home owner and a mortgage company come together at a table to discuss both the current financial situation of the homeowner and whether the mortgage company may be able to offer the homeowner a loan modification. You do not need an attorney to participate in the state foreclosure mediation program but many people feel more comfortable having an attorney counsel and assist them through the process. No one can guarantee results but I can guarantee you that no one will work harder to try to get you a loan modification.

Nothing on this website should be construed as legal advice. Although I encourage you to call me to explore your options as to filing bankruptcy, I cannot give advice without speaking and/or meeting with you first. If you do not live in the State of New Jersey, I encourage you to contact an attorney in the state in which you live.
NO ATTORNEY-CLIENT RELATIONSHIP HAS BEEN CREATED BY YOUR VIEWING THIS WEBSITE.
VIRGINIA E. FORTUNATO IS A PROUD MEMBER OF THE NATIONAL ASSOCIATION OF CONSUMER BANKRUPTCY ATTORNEYS. CONGRESS HAS DESIGNATED VIRGINIA E. FORTUNATO, L.L.C. AS A DEBT RELIEF AGENCY. WE HELP PEOPLE FILE FOR BANKRUPTCY UNDER THE BANKRUPTCY CODE.﻿